New tools are democratizing the estate-planning process, but they’re not for all Chet Wesley Published April 16, 2021 DNY59/iStockPhoto / Getty Images Everyone likes to talk about and plan for the future – especially when it comes to saving money for retirement. That’s not the case when it comes to death or its consequences, though. For financial advisors, bringing up the discussion of wills and estate planning with clients can be a gruelling task chock full of excuses for why they’re putting it off. A recent online survey that Angus Reid Forum conducted on behalf of digital estate-planning firm Willful and funeral services company Arbor Memorial Inc. found that 45 per cent of Canadians believe that end-of-life planning doesn’t apply to them, with another 22 per cent of the same group saying it makes them feel uncomfortable and don’t know where to start.